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Life insurance is designed primarily to protect your family’s financial security after you die. But your needs change and some types of insurance can offer you access to assets to meet needs during your lifetime. So it’s a smart addition to any financial plan — because it can serve different functions within your overall investment strategy.

Security for your family

Life insurance can help:
  • Pay debts and taxes after your death
  • Allow your family to maintain its standard of living
  • Support your dependents’ goals and dreams
  • Provide immediate access to cash1
No matter what kind of life insurance you choose, there’s no substitute for the peace of mind it can provide. Life insurance is one of the ways you can protect your family’s financial security should something happen to you. Factors to consider:
  • Which type of insurance is right for you
  • How much protection you and your family need
  • How to make the most of your premium dollars

One very simple way to get a rough estimate may be to base the amount of insurance on your current, after-tax income (since life insurance is generally paid out tax free). Multiply that by the number of years your beneficiaries will need the income. Remember to make an allowance for inflation.

But there is no substitute for a careful evaluation and review of your life insurance needs with your financial advisor. If you aren't yet working with a financial professional, we can have someone contact you.

Request a free financial analysis.

Health insurance

Health insurance is a good way to help you manage your health care costs. You pay health care companies premiums – a set amount of money each month - and you get benefits to pay for your eligible health care expenses. This can include regular doctor checkups or injuries to treatment for long-term illnesses.

You can purchase individual health insurance on your own. Even though it’s called individual health insurance, you can also find plans to cover your family. Because health care can be expensive, it’s a smart idea to have health insurance so you’re prepared for when you or your family have medical needs.

How do you like to work with your doctor?

With some plans, you’ll choose a doctor to work with and help manage your care. That’s called a Primary Care Physician (PCP). If you need to see a specialist, you’ll often need a referral from your PCP. With other plans, you can go directly to a provider in your network to make appointments. Decide if you prefer to work with the advice of a PCP or manage specialists on your own.

Where do you want to get your care?

Depending on the type of health insurance you choose, you’ll probably need to work within a network to get your care. Networks are the groups of doctors, clinics and hospitals your insurance covers. When you go to providers in your network, you’ll save money.

Check the provider directory before you choose a health plan so you’ll know the doctors, clinics and hospitals that are considered in-network– especially if you prefer to work with certain providers.

What kind of coverage do you need for prescription medications?

Each plan has a list of medications that are covered. This is called the Prescription Drug List. If you have medications you take on a regular basis, check the list so you’ll know your costs and possible deductibles before you choose your plan. Learn more

What’s covered and what’s not?

Every plan has limitations. That means not everything will be covered. Take a look at each plan you’re considering so you know the costs, deductibles, copayments and overall benefits of the plan.

It’s important to know the limits of a plan before you choose. For example, elective, cosmetic or alternative therapies are common treatments that are not generally covered by health plans when they are not considered medically necessary.

Vision and dental services are covered under some plans. But you may need to buy an extra plan to cover these services. Check to be sure before you choose a plan.

For any additional information please contact us.

Contact Info

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210.412.2975
 697.445.5584
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